Annual Percentage Rate - this is the cost of credit over the term as the loan expressed as an annual rate. The APR shown here is based on the interest rates and points, it does not include other loan specific finance charges that you may be charged.

*All stated rates are effective as of 2/05/2019 and are based on a home purchase transaction of $200,000, a minimum down payment of $40,000, a loan amount of $160,000 and repayment term as stated. Payments are estimated on a monthly basis and include principal and interest only. They do not include taxes and insurance which make the actual total payment obligation greater. The stated APR is the lender's standard rate for a borrower with a 750 credit score. The actual rate may vary depending upon each individual's credit history and transaction specific underwriting factors. 30 year term= 360 months and applies to 30 year conventional, FHA, and VA loans. 15 year term = 180 months and applies to 15 year conventional loans. All loan programs, rates terms, and conditions are subject to change at any time without notice. Rate scenarios are based on a 30 day lock. Rates may acutally be different from this page, and rates may change at anytime and without notice on this page. NMLS#402641. NMLS Consumer Access Site

About PCB

Welcome to Peoples Community Bank. Founded over a century ago in 1913, Peoples Community Bank is immersed in the rich history of the Northern Neck and Ferry Farm area of Virginia. Five convenient locations offer service to customers along the Route 3 corridor from Warsaw to Fredericksburg. Our branches offer extended lobby and drive-through hours. With free online banking and bill-pay, you have secure access to your accounts all day, every day. Our loan production services in the Richmond Metropolitan area offer our Richmond clients quick credit decisions and electronic deposit services. Your success is our priority as we focus on integrity, personal service, and the financial well-being of our clientele. We are committed to our customers, shareholders, and the communities we serve; and because our employees live, work, and volunteer in these areas, Peoples Community Bank is truly that… a Local Community Bank. Join us today and make Peoples Community Bank your banking partner!

George R. Sisson, III

Chairman of the Board of Directors

In an area so rich in history, Peoples Community Bank is proud of its own history which includes almost 100 years of service to our area. Peoples Community Bank remains a locally owned bank where decisions are made by local people that are familiar with the needs of our community. We are committed to personal service, where you talk to a person and not a machine. We have an outstanding group of employees working hard to make Peoples Community Bank a better bank. As members of your communities they understand the customers and their banking requirements.

Our Board of Directors is made up of a diversified group of business people from all areas we serve. This provides us insight into the needs of our customers. It also allows us the opportunity to respond quickly to their loan requests. We realize how important it is to the customer for a rapid response to a personal or business loan.

Our primary goal is to provide a strong bank for our customers and a solid investment for our stockholders. I invite you to stop by one of our offices and ask how Peoples Community Bank can serve your banking needs.

Robert K. Bailey, III

President and Chief Executive Officer

We are proud that Peoples Community Bank is the oldest bank based in the Northern Neck of Virginia. Since 1913, we have been a strong local bank focused on the needs of our community. Our knowledgeable staff serves you from five convenient locations stretching from Warsaw to King George to Fredericksburg. If you are tired of navigating through the maze of automated phone systems, we urge you to talk directly with any of our community bankers. We will strive to provide you with an individually tailored solution to your banking needs. While our leadership in Washington may believe that “small business is doing just fine”, we know that is not the case. That’s why we have the lenders, assets, and rates to assist our small businesses during these turbulent times. Our bankers are your neighbors, so don’t be a stranger. Call or drop by anytime and discover the difference that Peoples Community Bank can make in your life.

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